insurance-shopperlisted

# Insurance Shopper > **Caveat**: this skill is one author's playbook + 5-scenario stress test. Verify state minimums / carrier rates / discount stacking against current sources before binding a policy. Not insurance, tax, legal, or financial advice. > last_verified: 2026-05-19 > Scope: narrow pre-close insurance shopping + bind workflow. For full close-day flow see `../close-day-checklist/SKILL.md`. For per-state fee specifics see `../state-fee-lookup/SKILL.md`. Narrow helper for setting up auto insurance BEFORE the F&I appointment, with new-driver and cash-buyer edge cases handled. Use when buyer says "I need insurance for the new car" or when close day is < 7 days out and no policy exists yet. ## When To Use - Buyer asks "how do I set up insurance for the new car" - First-time driver (license < 12 months) needs a quote - Cash buyer asking "do I even need full coverage" - Cross-state move (NJ resident buying in PA, etc.) and unclear which state's policy - Close-day countdown started, no ID card secured yet - Triggers: "set up insurance", "car insurance quote", "new driver insurance", "上保", "保险报价", "ID card before pickup", "lender requires insurance" ## When NOT To Use - Policy review for existing policyholder with no new vehicle - use a licensed agent - Claims handling after an accident - use the carrier's claims line - Commercial / fleet / rideshare insurance - out of scope - Health / life / homeowners / umbrella - out of scope - General OTD math - use `../otd-calcul